One of the core points of Bogleheads is to never time the market, and I actually fully live by that. This is one reason why I like what we do at Financial Choice, it removes another way for me to try and time the market: Before FC I would manually move extra funds in to an investment account on a sporadic fashion, but this was definitely prone to market timing either explicitly, or implicitly. If when I tried not to time the market, you often think of moving the extra money when you hear news about markets, so this was definitely not uninfluenced by that. With FC I take myself out of the loop and remove a source of trying to time the market.